Frequently Asked Questions

What is a Prospectus?

A document provided by investment companies to prospective investors.  The prospectus gives information needed by investors to make informed decisions prior to investing in a specific mutual fund, variable annuity or variable universal life insurance.  The prospectus includes information on the minimum investment amount, the investment company's objectives, past performance, risk level, sales charges, management fees and any other expense information about the investment company, as well as a description of the services provided to investors in the investment company.

What does Tax Deferred mean?

Interest, dividends or capital gains that grow untaxed in certain accounts or plans until they are withdrawn.

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_{Joseph M. Floss, CIC, Investment Advisor Representative, jfloss@ae.CadaretGrant.com. Securities offered through Cadaret Grant & Co., Inc. member FINRA/SIPC  8625 Main Street, Williamsville, NY  14221  716-631-0190 Licensed in Arizona, California, Connecticut, Florida, Pennsylvania, Nevada, New Hampshire, New Jersey, New York, Ohio, South Carolina, Tennessee and Virginia www.CadaretGrant.com. EMS Group, Floss Agencyand Cadaret Grant are separate entities.}